We are 24/7 independent, Whole of market mortgage brokers

  • Free Professional Consultation without obligation
  • Independent & Whole of Market
  • Hundreds of Mortgages to choose from

Why use an Independent mortgage broker

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Two very big decisions! Buying a home is probably one of the biggest decisions you'll ever make. The next important decision is selecting a mortgage. By using C&C Independent Mortgage Brokers, you could save thousands of pounds in costly mistakes and common pitfalls.

We are independent brokers. We can source mortgages from the whole of the U.K.'s mortgage market. This means that a we look at every product available on the market today and select the right product for you. We can access mortgages from specialist lenders tailored for your individual needs. High Street lenders will only ever recommend a mortgage from their own limited range.

Brokers have influence with lenders. Because of the level of business brokers give to lenders, brokers have influence with lenders. If your application is considered borderline with certain lenders, the trust established between C&C Mortgage Brokers and a lender will mean that your application has a higher chance of being approved.

Brokers can access specially negotiated rates and deals through certain channels, which are not available via the high street.

Many people contact us because they want to move home - usually to a larger more expensive property via a let to buy. The usual scenario is that a home move includes the sale of your current property. With that money, you have the equity for the deposit on the new one. But what if you have the deposit funds elsewhere and don't need to sell your home? You may decide to keep your current property and rent it out. This is called let to buy (not to be confused with buy to let).

You may even be able to raise the deposit funds (or part of them) from your existing property.

The criteria for each individual's situation varies from lender to lender, but these requirements may apply:

  • The lender on your current property will want you to take out buy to let buildings insurance because you are going to have tenants.
  • This lender may also require you to change the mortgage to a buy to let product.
  • The lender on your new property will likely want to know that your existing mortgage is self-funding, (ie that the rental income will cover the new mortgage payment by the required percentage)
  • They will want to know that potential rental income you quote is accurate.
  • They may also want to see a consent to let letter from your current lender or evidence that you have changed the mortgage to a buy to let.

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Building 3, City West Business Park, Gelderd Road,
Leeds, LS12 6LX

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A qualified professional mortgage advisor will contact you to discuss your requirements. When you're ready to proceed, your advisor will help find the best options for your specific circumstances.

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Whole Of Market Mortgage Advice

We are 24/7 independent, Whole Of Market Mortgage Brokers

1

Free Professional
Consultatation without obligation

2

Independent & Whole of Market

3

Hundreds of
Mortgages to choose from

Get in touch!

Calling us or entering your information onto our webform will require us to process your personal data. Please refer to our Privacy Policy for further details

Our Company:

Building 3, City West Business Park,
Gelderd Road, Leeds, LS12 6LX
0800 0029555
0113 815 0484
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